MSBB
Mercer Bancorp, Inc.
Price Chart
Latest Quote
$19.55
+0.00 (+0.00%)
Current Price
| Previous Close | $19.55 |
| Open | $19.20 |
| Day High | $19.22 |
| Day Low | $19.20 |
| Volume | 550 |
Stock Information
| Shares Outstanding | 1.01M |
| Total Debt | $1.00M |
| Cash Equivalents | $15.78M |
| Revenue | $7.53M |
| Net Income | $1.10M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $19.82M |
| P/E Ratio | 17.15 |
| EPS (TTM) | $1.14 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $5.04M |
| Sales | $7.53M |
| Income | $1.10M |
| Book/sh | $24.77 |
| Cash/sh | $15.57 |
| Employees | 31 |
Financial Ratios
| EPS Growth TTM | 669.50% |
Returns & Margins
| ROA | 0.62% |
| ROE | 4.51% |
| Operating Margin | 18.30% |
| Profit Margin | 14.67% |
Ownership
| Insider Ownership | 17.71% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.63 |
| P/B | 0.79 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $19.08 |
| SMA50 | $17.93 |
| SMA200 | $16.43 |
| RSI | 91.04 |
| ATR | 0.0908 |
| Shares Float | 917K |
Performance History
| Week | +1.74% |
| Month | +4.02% |
| Quarter | +16.75% |
| 6 Months | +24.16% |
| YTD | +23.51% |
| Year | +33.48% |
| 10 Years | +50.42% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $19.56 | 0 |
| 2026-06-22 | $19.56 | 0 |
| 2026-06-18 | $19.56 | 0 |
| 2026-06-17 | $19.56 | 1,100 |
| 2026-06-16 | $19.22 | 0 |
| 2026-06-15 | $19.22 | 2,700 |
| 2026-06-12 | $19.00 | 0 |
| 2026-06-11 | $19.00 | 100 |
| 2026-06-10 | $19.06 | 30,400 |
| 2026-06-09 | $19.08 | 100 |
| 2026-06-08 | $19.05 | 100 |
| 2026-06-05 | $19.00 | 0 |
| 2026-06-04 | $19.00 | 0 |
| 2026-06-03 | $19.00 | 700 |
| 2026-06-02 | $18.85 | 3,300 |
| 2026-06-01 | $18.80 | 0 |
| 2026-05-29 | $18.80 | 0 |
| 2026-05-28 | $18.80 | 0 |
| 2026-05-27 | $18.80 | 0 |
| 2026-05-26 | $18.80 | 0 |
About Mercer Bancorp, Inc.
Mercer Bancorp, Inc. operates as the bank holding company for Mercer Savings Bank that offers financial products and services to individuals and businesses in western Ohio. The company accepts checking accounts, savings accounts, and certificates of deposit. Its loan products include one- to four-family residential mortgage loans and agricultural real estate loans secured by properties; and multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans, as well as indirect automobile loans. It invests in securities; and provides online and mobile banking services. The company was founded in 1888 and is based in Celina, Ohio.
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Income Statement (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $6,848,645 | $5,993,508 | $5,697,276 | $5,047,271 |
| Operating Revenue | $6,848,645 | $5,993,508 | $5,697,276 | $5,047,271 |
| Expenses | ||||
| Interest Expense | $2,637,245 | $2,534,074 | $599,872 | $264,879 |
| Selling And Marketing Expense | $93,150 | $125,618 | $97,111 | $101,346 |
| General And Administrative Expense | $2,868,832 | $2,670,268 | $2,349,606 | $2,200,392 |
| Professional Expense And Contract Services Expense | $535,051 | $507,273 | $281,393 | $148,424 |
| Other Non Interest Expense | $1,501,639 | $1,257,846 | $1,599,117 | $1,095,354 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $972,305 | $692,737 | $743,964 | $943,588 |
| Net Interest Income | $6,797,812 | $5,713,477 | $5,402,641 | $4,330,080 |
| Interest Income | $9,435,057 | $8,247,551 | $6,002,513 | $4,594,959 |
| Normalized Income | $966,775 | $671,490 | $743,964 | $943,588 |
| Net Income From Continuing And Discontinued Operation | $972,305 | $692,737 | $743,964 | $943,588 |
| Net Income Common Stockholders | $972,305 | $692,737 | $743,964 | $943,588 |
| Net Income | $972,305 | $692,737 | $743,964 | $943,588 |
| Net Income Including Noncontrolling Interests | $972,305 | $692,737 | $743,964 | $943,588 |
| Net Income Continuous Operations | $972,305 | $692,737 | $743,964 | $943,588 |
| Pretax Income | $1,227,673 | $858,407 | $917,375 | $1,136,642 |
| Per Share | ||||
| Diluted EPS | - | $0.73 | $0.73 | $0.92 |
| Basic EPS | - | $0.73 | $0.73 | $0.92 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,452 | $5,081 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $6,982 | $26,328 | $0 | - |
| Total Unusual Items Excluding Goodwill | $6,982 | $26,328 | $0 | - |
| Reconciled Depreciation | $399,406 | $365,793 | $312,774 | $212,098 |
| Diluted NI Availto Com Stockholders | $972,305 | $692,737 | $743,964 | $943,588 |
| Tax Provision | $255,368 | $165,670 | $173,411 | $193,054 |
| Gain On Sale Of Security | $0 | $4,311 | $-7,012 | $0 |
| Selling General And Administration | $2,961,982 | $2,795,886 | $2,446,717 | $2,301,738 |
| Insurance And Claims | $80,978 | $73,925 | $60,279 | $41,510 |
| Salaries And Wages | $2,787,854 | $2,596,343 | $2,289,327 | $2,158,882 |
| Occupancy And Equipment | $556,300 | $506,096 | $452,674 | $340,113 |
| Diluted Average Shares | - | $944,776 | $1,022,970 | $1,022,970 |
| Basic Average Shares | - | $944,776 | $1,022,970 | $1,022,970 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $24,623,338 | $23,953,033 | $22,677,691 | $14,056,330 |
| Total Assets | $176,171,657 | $181,748,216 | $159,046,613 | $152,882,751 |
| Receivables | $678,357 | $685,515 | $456,867 | $376,903 |
| Accounts Receivable | $678,357 | $685,515 | $456,867 | $376,903 |
| Cash And Cash Equivalents | $3,389,187 | $4,838,596 | $6,391,336 | $14,476,718 |
| Cash Financial | $2,576,165 | $2,303,569 | $1,707,488 | $1,361,198 |
| Cash Cash Equivalents And Federal Funds Sold | $5,463,187 | $5,997,596 | $6,391,336 | $14,476,718 |
| Debt | ||||
| Net Debt | $2,610,813 | $17,161,404 | $5,608,664 | - |
| Total Debt | $6,000,000 | $22,000,000 | $12,000,000 | $3,000,000 |
| Current Debt And Capital Lease Obligation | $6,000,000 | $22,000,000 | $11,000,000 | $1,000,000 |
| Current Debt | $6,000,000 | $22,000,000 | $11,000,000 | $1,000,000 |
| Other Current Borrowings | $6,000,000 | $22,000,000 | $11,000,000 | $1,000,000 |
| Long Term Debt And Capital Lease Obligation | - | $3,000,000 | $12,000,000 | $2,000,000 |
| Long Term Debt | - | $3,000,000 | $12,000,000 | $2,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $151,548,319 | $157,795,183 | $136,368,922 | $138,826,421 |
| Equity | ||||
| Common Stock Equity | $24,623,338 | $23,953,033 | $22,677,691 | $14,056,330 |
| Total Equity Gross Minority Interest | $24,623,338 | $23,953,033 | $22,677,691 | $14,056,330 |
| Stockholders Equity | $24,623,338 | $23,953,033 | $22,677,691 | $14,056,330 |
| Other Equity Interest | $-709,269 | $-763,820 | $-818,380 | - |
| Gains Losses Not Affecting Retained Earnings | $-389,846 | $-323,342 | $-860,326 | $-903,562 |
| Other Equity Adjustments | $-389,846 | $-323,342 | $-860,326 | $-903,562 |
| Retained Earnings | $17,343,618 | $16,371,313 | $15,703,856 | $14,959,892 |
| Other | ||||
| Ordinary Shares Number | $1,027,477 | $1,022,970 | $1,022,970 | $1,022,970 |
| Share Issued | $1,027,477 | $1,022,970 | $1,022,970 | $1,022,970 |
| Tangible Book Value | $24,623,338 | $23,953,033 | $22,677,691 | $14,056,330 |
| Invested Capital | $30,623,338 | $45,953,033 | $34,677,691 | $17,056,330 |
| Additional Paid In Capital | $8,368,876 | $8,658,653 | $8,642,312 | $0 |
| Capital Stock | $9,959 | $10,229 | $10,229 | $0 |
| Common Stock | $9,959 | $10,229 | $10,229 | - |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $9,723,837 | $11,214,118 | $11,597,006 | $12,805,583 |
| Held To Maturity Securities | $67,723 | $92,840 | $147,291 | $233,388 |
| Available For Sale Securities | $4,838,436 | $5,660,698 | - | - |
| Net PPE | $5,151,721 | $2,731,333 | $2,601,575 | $2,608,291 |
| Accumulated Depreciation | $-4,507,739 | $-4,121,027 | $-3,765,627 | $-3,657,218 |
| Gross PPE | $9,659,460 | $6,852,360 | $6,367,202 | $6,265,509 |
| Construction In Progress | $0 | $425,981 | $0 | - |
| Machinery Furniture Equipment | $2,640,719 | $1,680,219 | $1,621,935 | $1,534,124 |
| Buildings And Improvements | $6,269,440 | $4,262,590 | $4,261,697 | $4,247,815 |
| Land And Improvements | $749,301 | $483,570 | $483,570 | $483,570 |
| Other Short Term Investments | $4,817,678 | $11,121,278 | $11,449,715 | $12,572,195 |
| Total Capitalization | - | $26,953,033 | $34,677,691 | $16,056,330 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-938,272 | $-8,613,154 | $-1,927,564 | $919,741 |
| Operating Activities | ||||
| Operating Cash Flow | $1,871,616 | $-8,127,996 | $-1,632,255 | $1,302,483 |
| Cash Flow From Continuing Operating Activities | $1,871,616 | $-8,127,996 | $-1,632,255 | $1,302,483 |
| Operating Gains Losses | $-26,924 | $-4,311 | $-939 | $-52,605 |
| Investing Activities | ||||
| Capital Expenditure | $-2,809,888 | $-485,158 | $-295,309 | $-382,742 |
| Investing Cash Flow | $4,548,781 | $-14,006,953 | $-11,344,393 | $-10,439,708 |
| Cash Flow From Continuing Investing Activities | $4,548,781 | $-14,006,953 | $-11,344,393 | $-10,439,708 |
| Net Other Investing Changes | $718,700 | $-297,604 | $43,814 | $215,100 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-385,878 | $0 | - | - |
| Financing Cash Flow | $-6,954,806 | $21,741,209 | $4,891,266 | $5,513,353 |
| Cash Flow From Continuing Financing Activities | $-6,954,806 | $21,741,209 | $4,891,266 | $5,513,353 |
| Net Common Stock Issuance | $-385,878 | $0 | $7,834,161 | $0 |
| Issuance Of Capital Stock | - | $0 | $7,834,161 | $0 |
| Common Stock Issuance | - | $0 | $7,834,161 | $0 |
| Other | ||||
| Repayment Of Debt | $-91,000,000 | $-138,600,000 | $-4,500,000 | $-1,000,000 |
| Issuance Of Debt | $75,000,000 | $148,600,000 | $13,500,000 | $0 |
| Interest Paid Supplemental Data | $2,475,012 | $2,446,502 | $533,216 | $265,929 |
| Income Tax Paid Supplemental Data | $300,000 | $400,500 | $171,979 | $211,663 |
| End Cash Position | $5,363,187 | $5,897,596 | $6,291,336 | $14,376,718 |
| Beginning Cash Position | $5,897,596 | $6,291,336 | $14,376,718 | $18,000,590 |
| Changes In Cash | $-534,409 | $-393,740 | $-8,085,382 | $-3,623,872 |
| Common Stock Payments | $-385,878 | $0 | - | - |
| Net Issuance Payments Of Debt | $-16,000,000 | $10,000,000 | $9,000,000 | $-1,000,000 |
| Net Long Term Debt Issuance | $-16,000,000 | $10,000,000 | $9,000,000 | $-1,000,000 |
| Long Term Debt Payments | $-91,000,000 | $-138,600,000 | $-4,500,000 | $-1,000,000 |
| Long Term Debt Issuance | $75,000,000 | $148,600,000 | $13,500,000 | $0 |
| Net Investment Purchase And Sale | $1,395,193 | $1,054,925 | $1,203,441 | $-5,197,226 |
| Sale Of Investment | $1,672,625 | $3,511,027 | $3,509,977 | $1,205,015 |
| Purchase Of Investment | $-277,432 | $-2,456,102 | $-2,306,536 | $-6,402,241 |
| Net PPE Purchase And Sale | $-2,809,888 | $-485,158 | $-295,309 | $-382,742 |
| Purchase Of PPE | $-2,809,888 | $-485,158 | $-295,309 | $-382,742 |
| Change In Working Capital | $350,342 | $-761,521 | $630,429 | $-42,280 |
| Change In Other Current Liabilities | $312,690 | $-329,356 | $502,799 | $39,680 |
| Change In Other Current Assets | $30,494 | $-203,517 | $207,594 | $-24,745 |
| Change In Receivables | $7,158 | $-228,648 | $-79,964 | $-57,215 |
| Changes In Account Receivables | $7,158 | $-228,648 | $-79,964 | $-57,215 |
| Other Non Cash Items | $-40,446 | $-8,515,707 | $-3,152,206 | $215,126 |
| Stock Based Compensation | $159,756 | $98,708 | $0 | - |
| Deferred Tax | $67,392 | $-12,283 | $-146,745 | $-2,013 |
| Deferred Income Tax | $67,392 | $-12,283 | $-146,745 | $-2,013 |
| Depreciation Amortization Depletion | $399,406 | $365,793 | $312,774 | $212,098 |
| Depreciation And Amortization | $399,406 | $365,793 | $312,774 | $212,098 |
| Gain Loss On Investment Securities | $0 | $-4,311 | $7,012 | $0 |
| Net Income From Continuing Operations | $972,305 | $692,737 | $743,964 | $943,588 |
| Pension And Employee Benefit Expense | - | - | $-4,514 | $-169,069 |
Fetched: 2026-02-02